There are three types of homeowner insurance policies: the standard, homeowner insurance policy (owner occupied residence, HO-3), the apartment policy (renter policy, HO-4), and the condominium policy (HO-6).
Each policy is a package policy which includes Section 1 coverage and Section 2 coverage.
Depending on kind of homeowner policy, Part 1 coverage may include: A) Dwelling; B) Other Structures; C) Personal Property; and D) Loss of Use.
Section 2 coverage includes: E) Personal Liability and F) Medical Payments
The standard (HO-3), owner-occupied, Massachusetts home insurance policy includes coverages A – F.
The apartment policy (HO-4) includes only coverages C – F.
The condominium policy (HO-6) includes coverage A, no coverage B (unless added by endorsement), and coverages C -F.
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